Whether you're a homeowner, an independent contractor, or a business owner, you need to know how much money comes in and goes out each day for your own personal use. This is called "daily cash flow." You may be surprised to see just how little of your salary actually gets spent on necessities such as online casino gaming (visit best au online casinos for more information) food and clothing. Here's how to calculate your daily expenses.

1. Determine what you spend each week and month.

List every expense category (food, utilities, insurance, rent, taxes) from the previous year that applies to you at this time. If you're a single person who owns his/her home, list mortgage payment and property tax. For renters, add up monthly rent payments and divide by 12 to get the amount per monthly expenditures.

2. Divide weekly and monthly expenses into equal amounts for each calendar day.

Divide income by the number of days in each month. To convert to dollars, multiply your daily gross income by 8 hours times 30 minutes equals hourly wages. Subtract the total of your weekly and monthly expenses and divide the balance over one hundred and fifty-four.

3. Multiply the result by seven.

Multiply the monthly savings total by 28 to find what you have available each week. Add any other funds you may have left over after paying your bills and living costs. Subtract these funds from your weekly spending figure to determine how you can cut back on frivolous purchases.

4. Find free entertainment options.

If there are no free resources within a reasonable distance, consider taking classes. Maybe you can take lessons to play a musical instrument or learn Chinese, Spanish, French, Italian, Arabic, or Portuguese. There are many online opportunities for learning new skills, including language courses offered via Skype or Google Hangouts. Online tutoring is another option to help you keep up with high school or college work requirements.